Terms of Use
1. Purpose of the Platform
The Singapore Wealth Ranking serves exclusively for information and orientation purposes. Any financial, tax, or legal decisions you make based on our data fall entirely within your area of responsibility. Our analyses do not replace professional advice from qualified experts. We strongly recommend consulting additional sources and expert opinions, especially for investment decisions. Market dynamics can lead to rapid changes that may not be immediately reflected in our ranking. Additionally, our wealth estimates do not consider your individual situation or specific investment objectives.
2. Data Quality and Currency
Despite meticulous research and multiple verifications, we cannot guarantee complete freedom from errors. Asset values are subject to constant fluctuations due to market movements, corporate transactions, or private wealth restructuring. Some wealth components naturally remain hidden or can only be assessed approximately. Our editorial team updates the data according to a fixed schedule – daily fluctuations therefore do not find immediate entry into our assessments. We strive for timely adjustments in the event of significant developments. Nevertheless, you should always note the update date at the end of each profile and conduct additional research for time-critical questions.
3. Intellectual Property Protection
All materials published on our platform – from texts to graphics to databases – enjoy comprehensive copyright protection. The months of research work by our expert team represents a significant investment, the unauthorized use of which we consistently pursue. You may cite individual facts with precise source attribution, but our licensing policy prohibits any systematic extraction or reproduction of larger amounts of data. We particularly prohibit the creation of derivative works or competitive products based on our research. If you are interested in more extensive use, please contact our licensing department, which offers customized agreements. Unauthorized uses will result not only in injunctive claims but also in substantial damages.
4. Citation Requirements
For any reference to our ranking, you must provide the following elements: full name "Singapore Wealth Ranking," year of publication of the cited edition, and the specific page number or URL for online references. Academic publications should additionally name the responsible publisher. For digital media, there is an obligation to link with the canonical link that we provide for each page – frames or embedded representations require special permission. We strictly reject modified quotes or partial information taken out of context and reserve the right to publicly correct violations. We offer special press packages with citable excerpts for journalists, which you can download after registering in the media section of our website.
5. Limitation of Liability
Any claims against the Singapore Wealth Ranking are limited to cases of demonstrably intentional misconduct. We assume no responsibility for indirect damages, lost business opportunities, or consequential losses – regardless of whether the possibility of such damages was known. The maximum liability amount in any case corresponds to the usage fee you paid within the last twelve months. Claims due to system failures, transmission errors, or unauthorized access by third parties are particularly excluded. We remedy technical problems to the best of our ability but cannot guarantee uninterrupted availability. These limitations of liability do not apply to personal injury or in other cases where mandatory law prohibits a limitation.
6. References to Third-Party Providers
On our pages, you will occasionally find links to external websites whose content is beyond our sphere of influence. These carefully selected links serve exclusively for thematic deepening and do not constitute a recommendation or endorsement. When clicking, you leave our area of responsibility – we monitor neither the currency nor the legality of linked content. If you encounter problematic external content, please inform our editorial team immediately so that we can review the relevant links. We transparently identify commercial partnerships as such. Please note that different data protection practices may apply on external pages, which is why we recommend consulting their policies before disclosing personal data.
7. Adjustment of Contract Terms
The continuous development of our offering requires occasional updates to these terms of use. We announce significant changes at least 14 days in advance through banner notifications and email notifications to registered users. We interpret continued use after the entry into force of new conditions as tacit consent. If you wish to object to the changed conditions, please discontinue use and contact our customer service regarding any refunds for paid subscriptions. We archive previous versions of these terms in our document archive, where they can be viewed with the corresponding validity period. In case of ambiguities regarding interpretation, the English version always applies as authoritative, even if we offer translations.
8. User Account Management
For premium functions of our platform, you need a personal user account with individual access data. You must protect these with the utmost care – any activity conducted under your account falls within your area of responsibility. Use only correct, current information when registering and update it immediately when changes occur. We expressly prohibit multiple registrations or the use of temporary email addresses. In case of security suspicion, we preventively block accounts and request identity verification. After six months of inactivity, we reserve the right to put your account into dormant status, whereby saved settings and favorites are retained. We irrevocably delete accounts with false information or abusive use after a single warning.
9. Communication Guidelines
In interactive areas of our platform, we expect respectful, factual exchange. Discriminatory, insulting, or threatening statements, as well as any content that violates applicable law, are prohibited in particular. Commercial advertising, unsolicited contact with listed persons, or the mass distribution of identical messages ("spamming") will result in immediate account blocking. Our moderators check contributions on a random basis and remove problematic content without prior notice. For repeated violations, we impose temporary or permanent access blocks. By posting comments or contributions, you automatically grant us the right to use, edit, and, if necessary, shorten them within the framework of our offering. We do not accept anonymous contributions as a matter of principle – at least a pseudonym is required.
10. Methodological Principles
Our assessment methodology is based on a proprietary algorithm that weights different asset classes according to specific criteria. We transparently explain the basic principles in the methodology section of our website, while detailed calculation formulas remain protected as trade secrets. External auditors validate our methodology annually for consistency and appropriateness. For methodological adjustments, we mark affected datasets accordingly to ensure comparability across different years. We take criticism of our methodology seriously and discuss it in the context of our annual methodology forum with subject matter experts. However, the final decision on methodological questions lies exclusively with our scientific advisory board, whose members we present on our website.
11. International Use
Although our main focus is on Singapore, users worldwide access our offering. In doing so, you must ensure on your own responsibility that your use is compatible with local laws. In some jurisdictions, wealth disclosures or certain financial information may be subject to regulatory restrictions. We primarily optimize our platform for the Asian region – display problems or functional limitations may occur in other regions. We convert currency information into Singapore dollars at current daily rates; for other currencies, we provide approximate values without guaranteeing absolute accuracy. For international payments, the user bears all bank fees and exchange rate risks. Tax implications of using our services vary depending on your country of residence and must be clarified by you independently.
12. Force Majeure and System Failures
In the event of extraordinary events beyond our control – such as natural disasters, cyber attacks, power outages, or official orders – temporary restrictions of our service may occur. During such exceptional situations, we deploy all available resources to restore normal operations as quickly as possible, but always prioritize data security over availability. We announce planned maintenance work at least 48 hours in advance and schedule it during low-usage times. However, we reserve the right to short-term interventions for critical security updates. In the event of longer outages, we inform via alternative contact channels such as social media or email. Paying subscribers receive automatic credits for significant service interruptions in accordance with our availability guarantee, which is specified in the subscription contract.
13. Choice of Law and Jurisdiction
For all legal relationships between you and the Singapore Wealth Ranking, Singapore law applies exclusively, excluding the UN Convention on Contracts for the International Sale of Goods and conflict of law provisions. Disputes are subject to the exclusive jurisdiction of the ordinary courts at the registered office of our company in Singapore, insofar as no mandatory statutory provisions conflict with this. For consumers residing in the EU, the mandatory consumer protection provisions of their home country apply additionally. Should individual clauses of these Terms of Use be invalid, the validity of the remaining provisions remains unaffected. In place of invalid regulations, the statutory provisions apply; in the case of regulatory gaps, we strive for a solution that comes as close as possible to the economic purpose of the original provision.
14. Communication Channels
Several channels are available to you for inquiries regarding these Terms of Use. We accept legally binding notifications exclusively by registered mail to our business address or via the qualified electronically signed contact form. We also process general questions by email, with response time varying between one and five business days depending on complexity. We offer telephone support exclusively for premium subscribers during the service times indicated on our contact page. In case of urgent technical problems, you can reach our emergency team around the clock via the separate support hotline. You must immediately update your contact details in your user profile – communications to the registered address are considered delivered, regardless of actual receipt.
15. Completeness of Agreement
These Terms of Use, together with our Privacy Policy and, if applicable, your individual subscription contract, form the complete legal foundation for the use of our services. Verbal side agreements do not exist and have no binding effect. Previous agreements automatically lose their validity upon acceptance of these terms. Assurances from our employees bind us only with written confirmation by management. Marketing materials, product descriptions, or public statements do not constitute binding performance commitments unless they have been explicitly incorporated into these terms. If you have special requirements, these require a separate written agreement with explicit reference to deviations from these standard terms.